Visa has introduced several ambitious projects in AI and digital assets, aiming to reshape commerce globally. For European companies, these developments are not only relevant but potentially transformative. By embracing agentic AI and (or in combination) with stablecoin infrastructure, businesses in the region could gain efficiency, reach and new revenue opportunities.
AI agents for smarter commerce
Visa Intelligent Commerce brings AI agents into everyday transactions. These agents can act on behalf of users, selecting and purchasing products within set preferences and budgets. For European retailers and service providers, this could mean:
- AI personalized experiences: AI agents can tailor choices for customers, potentially increasing conversion rates and loyalty.
- AI-Ready Cards for Streamlined operations: Automating purchasing tasks reduces manual workload and speeds up processes.
- Smarter data use: With user consent, companies gain access to useful behavioural insights that can inform better product and marketing decisions.
This development also comes in recent news that OpenAI introduced extended shopping features in ChatGPT.
Stablecoins and new payment rails
Visa is also pushing into the stablecoin space through its collaboration with Bridge. This enables stablecoin-linked Visa cards that convert digital currencies into fiat at the point of sale. The combination of instant worldwide transactions and AI could change e-commerce and accelerate hyper personalization.
European businesses could see gains in:
- Cost reduction: Especially for cross-border payments where fees are often high.
- Speed: Real-time settlement can ease cash flow management.
- Market expansion: Opens access to customers in underbanked regions.
What should European firms do?
To stay ahead:
- Understand those agentic AI solutions
- Pilot stablecoin payments to test new customer bases.
Visa’s initiatives mark a shift in how commerce could function. European businesses that act early stand to gain both strategically and operationally.